additional features and benefits

Disclosures

Monthly service charge

The monthly service charge will be waived when you have an average balance of at least $500 in your checking account, or a combined balance of at least $1,500 in eligible Umpqua Bank accounts linked to your checking account. Eligible account types are checking, savings, certificates of deposit (CDs), money market and individual retirement accounts (IRAs).

Determining your account's Average Balance

You may be able to waive the monthly service charge on your checking account with your account's average balance. Your account's average balance is the total of the daily ledger balances in your account within a statement period divided by the number of calendar days in that statement period.

Determining your Combined Balance

You may be able to waive the monthly service charge on your checking account with the combined balances in your linked eligible Umpqua Bank deposit accounts. Eligible deposit accounts include checking, savings, CDs, money market, and IRAs. Balances from linked accounts used to qualify for a monthly service charge waiver on one checking account can also be applied to qualify for a monthly service charge waiver on another checking account.

The combined balance is calculated by adding together the lowest daily ledger balance from your checking account and each of the accounts linked to your checking account. We may use balances from different days depending on when the lowest daily ledger balance occurs in each linked account. Balances are selected from the period starting on the first calendar day of the month to the last day of your checking account's statement period.

Fee refunds for using non-Umpqua Bank ATMs

Receive refunds of up to $6 in combined ATM fees assessed by other banks and by Umpqua Bank, per statement cycle, when obtaining cash from a non-Umpqua ATM.